.CNBCselect analyzed 111 rewards credit cards using an average American's annual budget and digging into each card's perks and drawbacks to find the best of the best based on your spending habits.
$120 annual dining credit at Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House, Boxed and participating Shake Shack locations
Special benefits at The Hotel Collection, such as a $100 hotel credit and complimentary room upgradesThis is a charge card, which means you have to pay off your balance in full each billing cycleIf you love food, the American Express® Gold Card could be the ideal rewards card for you. Whether you dine out or cook at home, this card earns a competitive 4X points per dollar spent at restaurants worldwide and 4X points at U.S. supermarkets .
The value of Membership Rewards® points varies depending on how cardholders redeem them. You can use them in a variety of ways, from paying with points at checkout at retailers like Amazon to redeeming for gift cards or a statement credit to booking travel.
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